Cash Back card reviews

Cash Back Credit Cards - Reviews

Cash back credit cards let you pocket earnings on eligible purchases and spend your rewards anywhere you like. To earn the most cash back rewards, you need to pick the best cash back credit card for your spending habits. Some pay a 1% to 2% flat rate on all of your purchases. Others offer cash back rates as high as 5%, but only on eligible purchases like travel or dining.

Many cash back credit cards have generous welcome offers that give you a hefty rewards balance from day one. Along with cash back perks, some cash back credit cards also offer 0% introductory APR on purchases and balance transfers upon application approval, plus nifty benefits like flexible payment plans for large purchases and discounts at select stores.

Our CreditCards.com experts reviewed hundreds of cash back credit card offers based on several factors. Cash back rates, welcome offers, redemption simplicity and interest rates are the key criteria we used. In our cash back credit card reviews below, you can compare our experts’ top picks from our partners for 2021 and find recommendations on the best cash back credit cards for your spending habits.

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Chase Freedom Unlimited® review

Chase Freedom Unlimited®

4.8 rating

The Chase Freedom Unlimited card offers a good sign-up bonus and an impressive average rewards rate, including a 1.5% cash back rate on general purchases, making it a great starter card for collecting Chase Ultimate Rewards.

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Discover it® Cash Back review

Discover it® Cash Back

4.5 rating

The Discover it Cash Back card offers a substantial amount of value for cardholders who don’t mind keeping track of rotating bonus categories; but what really sets this card apart from its competitors is its consumer-friendly terms and ultra generous sign-up bonus, which matches the amount of cash back you earn at the end of the card member’s first year.

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Capital One SavorOne Cash Rewards Credit Card review

Capital One SavorOne Cash Rewards Credit Card

4.4 rating

The SavorOne card offers a good rewards rate for cardholders who spend a heavy amount on food, but most cardholders are probably better off searching for a card with a flat 2 percent rate.

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Chase Freedom Flex℠ review

Chase Freedom Flex℠

4.3 rating

The Chase Freedom Flex card’s unique blend of year-round and quarterly-rotating rewards categories should offer great variety. It may be especially appealing to frequent travelers who want to avoid an annual fee or pair with a premium Chase travel card.

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Bank of America® Customized Cash Rewards credit card review

Bank of America® Customized Cash Rewards credit card

4.2 rating

The Bank of America Customized Cash Rewards card offers an exceptional rewards rate on a category of the user’s choice, allowing increased flexibility. But a $2,500 combined spending cap on bonus category rewards limits how much cardholders can earn.

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Citi Custom Cash℠ Card review

Citi Custom Cash℠ Card

4.1 rating

The Citi Custom Cash Card should offer terrific value to low-maintenance cardholders and rewards experts alike since it automatically rewards your top spending category each billing cycle. Just be sure you aren’t missing out on rewards in your second- and third-highest categories.

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Amazon Prime Rewards Visa Signature card review

Amazon Prime Rewards Visa Signature card

3.9 rating

The Amazon Prime Rewards Visa Signature card offers a great 5 percent rate on Amazon and Whole Food purchases, but Prime membership requires a high $119 fee, and Amazon points lack versatility.

* All information about the Amazon Prime Rewards Visa Signature card has been collected independently by CreditCards.com and has not been reviewed by the issuer. This card is not currently available through CreditCards.com.

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Ink Business Cash® Credit Card review

Ink Business Cash® Credit Card

3.9 rating

If you’re determined to keep costs to a minimum, the Chase Ink Business Cash Credit Card offers a lot of cash back on your business purchases — including purchases made on employee cards — for no annual fee.

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Jasper Cash Back Mastercard® review

Jasper Cash Back Mastercard®

3.8 rating

The Jasper Cash Back Mastercard charges no annual fee* and offers a chance at a high credit limit and decent baseline rewards. However, it doesn’t carry many distinguishing features that set it apart from other cards for people with fair credit.

*All information about the Jasper Cash Back Mastercard has been collected independently by CreditCards.com and has not been reviewed by the issuer. The Jasper Cash Back Mastercard is no longer available through CreditCards.com.

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Wells Fargo Active Cash℠ Card review

Wells Fargo Active Cash℠ Card

3.7 rating

The Wells Fargo Active Cash Card is not just one of the best flat-rate cash rewards cards out there, but one of the best cash rewards cards, period. See rates and fees

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Capital One® Savor® Cash Rewards Credit Card review

Capital One® Savor® Cash Rewards Credit Card

3.7 rating

The Capital One Savor card offers one of the best cash back rates on dining and entertainment purchases combined, but it’s not the best option for some cardholders due to its $95 annual fee.

*All information about the Capital One Savor Cash Rewards Credit Card has been collected independently by CreditCards.com and has not been reviewed by the issuer. Capital One Savor Credit Card is no longer available through CreditCards.com.

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